Bank of MelbourneAmplify Qantas Platinum
Our mid-tier credit card for Qantas point lovers
Credit cardsBank updated 29 Oct 2026
At a glance
- Purchase rate
- 23.98%
- Cash advance
- 23.99%
- Interest-free days
- 45
- Annual fee
- $175, discounted first 1 yr
- Foreign transaction fee
- 3.00%
- Rewards
- Amplify Platinum Qantas
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 23.98% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 50th lowest of 51 |
| Rewards cardOngoing purchase rate on a card that earns points | 23.98% | 12.99%Virgin Money Australia's Virgin Money Low Rate Credit Card | 20.99%of 25 institutions | 21st lowest of 25, level with 3 others |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 45 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 35th longest of 42, level with 2 others |
Rates
Every rate Bank of Melbourne publishes for this credit card, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceInterest on cash advances | - | - | - | 23.99% | - | No Interest Free days |
| PurchaseInterest on purchases | - | - | - | 23.98% | - | Interest Free Days may apply |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 30 Sept 2026 | Cash advance | 21.99% | 23.99% | up 2.00 |
| 30 Sept 2026 | Purchase | 20.99% | 23.98% | up 2.99 |
Each change is logged the night it appears in the rates Bank of Melbourne publishes. See how every lender answered the RBA on the rate tracker.
Fees
9 fees published, grouped by when they're charged.
While you hold it2
- Annual Card Fee
Existing Reduced First year Annual Card Fee
$175 a year - Annual Qantas Rewards Program fee$125 a year
When you make a transaction2
- Cash Advance Fee3.50% of transaction
- Foreign Transaction Fee
3% of the Australian dollar value for transactions with merchants based overseas
3.00% of transaction
If a payment is late or fails1
- Missed Payment Fee$20 30 days after it's due
When particular things happen4
- Copy of a deposit or withdrawal form$15
- Copy of a sales voucher TBC$10.50
- Overlimit Fee
$15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012.
No fee - Card Replacement Fee
Courier costs may apply
No fee
Features
Extra repaymentsDigital bankingFraud protection45 interest-free days1 additional cardApple PayGoogle PaySamsung PayAmplify Platinum QantasAccess to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).
- Digital Card - Boost your card security by using the dynamic CVV. Access your card details anytime, anywhere. Be assured that you will have uninterrupted access to your funds even if your card is los…
- Feel confident using our cards, with 24/7 fraud monitoring, Secure Online Shopping Service, and the Bank of Melbourne Fraud Money Back Guarantee.
- Explore ShopBack offers and earn bonus Cashback when you shop via the Bank of Melbourne Lounge on ShopBack. Terms & Conditions apply.
- Put a 'yay' in Everyday. Turn your Amplify points into Everyday Rewards points and get more value at the checkout. Eligibility, min and max points transfer and T&Cs apply.
- Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion
- Confirming and authorising transactions: There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment dev…
- Gambling blocks: If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.
- Statements: We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to r…
- 2.5% of the closing balance or $25; whichever is greater. If the closing balance is less than $25, it must be paid in full.
- Plan&Pay is a repayment plan for your credit card. It splits your credit card repayments into smaller bite-sized instalments.
- Tracking your points balance: Your Card statement will show for the period covered any Points earned to your Qantas Frequent Flyer Account.
- Access to Visa's Luxury Hotel Collection, giving you the best available rate guarantee and upgrade benefits when available.
Eligibility and limits
- Minimum age 18
- Residency: Be an Australian or New Zealand citizen or be an Australian permanent resident or hold a valid temporary residence visa with a minimum of 1 year before expiry
- Amount $6,000 to $80,000
- Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)
- You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)
- Have a fixed residential address in Australia
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Published by Bank of Melbourne under the Consumer Data Right, last changed by them on 29 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.